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- Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer.
- Explore coverage through work
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Medical Indemnity Plans
See any licensed health care provider and use any licensed facility for covered services.
What is a Medical Indemnity Plan?
Medical Indemnity plans, also known as an Indemnity Health Plan, are health plans designed to give you choices when choosing health care providers and facilities.
Cigna Healthcare Medical Indemnity plan features
- You have the freedom to see any licensed health care provider and use any licensed facility for covered services, but you and your covered dependents must file claims to be reimbursed
- Depending on the provider, you may have to pay for the cost of your health care services when you receive them, or you may be billed directly for any services provided
- You don’t need referrals for specialists. Cigna HealthcareSM may need to pre-certify hospital stays and some types of outpatient care
- The indemnity health plan includes global emergency and urgent care coverage 24/7
Being offered a Cigna Healthcare Medical Indemnity plan through work?
Use these helpful tools to help with your enrollment decisions.
To find providers, procedures, cost estimates, and more, search our provider directory.
Are your prescription drugs covered?
To find out which drugs are covered by your plan, use the Prescription Drug List.
Next steps for shoppers
You'll most likely enroll in your plan using your employer's enrollment tool/website. If not, check with your HR department.
Need help understanding how insurance plans work? To learn more, visit the Knowledge Center
Buying a plan on your own?
1 Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.
Medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).
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The Cigna Group Information
Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.
All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc. and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of The Cigna Group.